Homeowners insurance covers the structure of your home, your personal property, additional living expenses if you can't live there after a covered loss, and your personal liability. Bundling home and auto is one of the most reliable ways to lower your combined premium.
What a homeowners policy includes
Dwelling coverage rebuilds your house after fire, wind, hail, lightning and other covered perils. Other structures covers fences, sheds and detached garages.
Personal property replaces your furniture, electronics and clothing. Loss of use pays for a hotel or rental while repairs happen.
Personal liability protects you if someone is hurt on your property or you accidentally damage someone else's.
Flood is not covered by a standard homeowners policy anywhere. In Florida and coastal Georgia, South Carolina and North Carolina, a separate flood policy is often essential.
Southeast-specific things to know
Hurricane and wind deductibles. Coastal policies often carry a separate percentage deductible for named storms. Know yours before the season starts.
Roof age matters. Insurers in Florida and along the coast look closely at roof age and material. A newer roof can mean a meaningfully lower premium.
Wind mitigation credits. In Florida, a wind mitigation inspection documenting hurricane straps, shutters and roof attachments can earn significant discounts.
Homeowners policies are placed through the GEICO Insurance Agency with partner carriers, so availability and pricing vary by state and property.
Available in these states
Homeowners Insurance FAQ
Can I bundle home and auto insurance?
Yes. Bundling is one of the biggest discounts available. Start with an auto quote using your ZIP code, then add home coverage, or call us and we'll quote both together.
Does homeowners insurance cover hurricanes?
Wind damage is typically covered, often subject to a separate hurricane deductible. Flood damage, including storm surge, requires a separate flood policy.
How much dwelling coverage do I need?
Enough to rebuild the house at today's construction costs, which is different from its market value or what you paid for it.